Car loan calculator: Calculate your Online financing

Are you thinking of buying or changing your car? At BBVA, we can offer you the finance you need. With the online car loan calculator, you can gain a better understanding of how much your loan would be: you just have to choose the amount you need and the repayment period to calculate the best loan for your new or used car, and find out the interest and the total amount of the loan.

At BBVA, we can offer you the finance you need. With our car loan calculator, you can choose the amount and repayment period, calculate the financing fee and determine the interest.

You can also calculate the monthly payment and the interest on the loan, as well as get information on the NIR and APR interest rates and the fees in order to find out the total amount to be repaid.

Remember that the information provided by the simulation does not constitute an offer. It only provides information for that specific example. Financing subject to approval from Banco Bilbao Vizcaya Argentaria, S.A.

Terms and Conditions for customers of the Coche Online Loan for vehicles over 3 years old:

  • From a fixed 7.70% NIR (8.83% APR) with a paycheck or pension direct deposited with BBVA.
  • To a fixed 8.70% NIR (9.93% APR) with a paycheck or pension not direct deposited with BBVA.
  • Amount: from €3,000 to €75,000. Term: from 2 years up to 8 years. Payment of the monthly installment: the last day of each month.

Total or partial early repayment fee on the unpaid amount: 0.50% if the outstanding payment period is under 12 months, and 1% otherwise.

Example with direct deposit of paycheck or pension at BBVA for a loan of €10,000 over 96 months (8 years). 7.70% NIR, 8.83% APR. Constant monthly payment: €139.85. 2.30% commitment fee on the borrowed amount: €230. Mail expenses: €0.75 monthly. Total debited amount: €13,727.16.

Example with no paycheck or pension direct deposited at BBVA for a loan of €10,000 over 96 months (8 years). 8.70% NIR, 9.93% APR. Constant monthly payment: €144.95. 2.30% commitment fee on the borrowed amount: €230. Mail expenses: €0.75 monthly. Total debited amount: €14,217.25.

Calculations based on car loan being signed on the last day of the month.

Terms and Conditions for customers of the Coche Online Personal Loan for vehicles under 3 years old:

  • From a fixed 6.45% NIR (7.48% APR) with a paycheck or pension direct deposited at BBVA
  • To a fixed 7.45% NIR (8.56% APR) with a paycheck or pension not direct deposited at BBVA
  • Amount: from €3,000 to €75,000. Term: from 2 years up to 8 years. Payment of the monthly installment: the last day of each month.
  • Total or partial early repayment fee on the unpaid amount: 0.50% if the outstanding payment period is under 12 months, and 1% otherwise.

Example with a paycheck or pension direct deposited at BBVA for a €10,000 loan over 96 months (8 years). 6.45% NIR, 7.48% APR. Constant monthly payment: €133.62. 2.30% commitment fee on the borrowed amount: €230. Mail expenses: €0.75 monthly. Total debited amount: €13,129.08.

Example without a paycheck or pension direct deposited at BBVA for a €10,000 loan over 96 months (8 years). 7.45% NIR, 8.56% APR. Constant monthly payment: €138.59. 2.30% commitment fee on the borrowed amount: €230. Mail expenses: €0.75 monthly. Total debited amount: €13,606.30.

Calculations based on loan being signed on the last day of the month.

Terms and Conditions of the Ecological Car Loan for customers:

  • From a 5.95% fixed NIR (6.28% APR) with a paycheck or pension direct deposited at BBVA.
  • To a fixed 6.95% NIR (7.33% APR) with a paycheck or pension not direct deposited at BBVA.
  • Amount: from €3,000 to €75,000. Term: from 2 years up to 8 years. Payment of the monthly installment: the last day of each month.
  • Total or partial early repayment fee on the unpaid amount: 0.50% if the outstanding payment period is under 12 months, and 1% otherwise.

Example with a paycheck or pension direct deposited at BBVA for a €10,000 loan over 96 months (8 years). 5.95% NIR, 6.28% APR. Constant monthly payment: €131.17. Commitment fee on the loan amount: €0. Mail expenses: €0.75 monthly. Total debited amount: €12,664.36.

Example without a paycheck or pension direct deposited at BBVA for a €10,000 loan over 96 months (8 years). 6.95% NIR, 7.33% APR. Constant monthly payment: €136.09. Commitment fee on the loan amount: €0. Mail expenses: €0.75 monthly. Total debited amount: €13,136.41.

Calculations based on loan being signed on the last day of the month.

Offer valid until December 31, 2022. Financing subject to approval from Banco Bilbao Vizcaya Argentaria, S.A.

Terms and Conditions of Fast Online Loan for new customers:

  • From 5.50% fixed NIR (5.80% APR) with a paycheck or pension direct deposited at BBVA.
  • Up to 6.50% fixed NIR (6.85% APR) without a paycheck or pension direct deposited with BBVA.
  • Amount: from €3,000 up to €20,000. Term: from 2 years up to 8 years. Payment of the monthly installment: the last day of each month.
  • Total or partial early repayment fee on the unpaid amount: 0.50% if the outstanding payment period is under 12 months, and 1% otherwise.

Example with direct deposit of paycheck or pension at BBVA for a loan of €10,000 over 96 months (8 years). 5.50% NIR / 5.80% APR. Constant monthly payment: €128.99. Commitment fee on the loan amount: €0. Mail expenses: €0.75 monthly. Total debited amount: €12,455.43. 

Example with no paycheck or pension direct deposited at BBVA for a loan of €10,000 over 96 months (8 years). 6.50% NIR, 6.85% APR. Constant monthly payment: €133.86. Commitment fee on the loan amount: €0. Mail expenses: €0.75 monthly. Total debited amount: €12,922.82. 

Calculations based on car loan being signed on the last day of the month.

Exclusive conditions for online, single-borrower, fast loans of up to €20,000 taken out by new customers between October 26 and December 31, 2022. The product is not available at BBVA branches. Financing subject to approval from Banco Bilbao Vizcaya Argentaria, S.A.

If you take out Payment Protection Insurance, the APR of your loan may vary, since the cost of the policy's Financed Single Premium (PUF for initials in Spanish) will be included in the loan amount and will affect the total amount owed.

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